Wholesale food distributors often deal in perishable goods with tight deadlines. If there's a delay or an accident, insurance coverage can be the factor that keeps your business afloat.
Commercial general liability insurance covers basic risks, such as customer property damage and injuries. Bundle with commercial property insurance for savings in a BOP.
Most states require workers' comp for food distribution businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
A BOP bundles general liability insurance with commercial property coverage in one plan. It's often the most cost-effective small business insurance for food and beverage wholesalers.
Commercial umbrella insurance boosts the liability coverage on your general liability insurance, commercial auto insurance, and employer’s liability insurance policies.
Business auto insurance for food and beverage wholesalers can pay for property damage and injuries in an accident. It can also cover vehicle theft and vandalism.
Surety bonds guarantee that an insurance company will reimburse a client if a food and beverage wholesaler fails to deliver products or fulfill the terms of a contract.
Buying, storing, and selling food and beverages in bulk involves unique risks. A fire or power outage could destroy your inventory and provide a major setback to a small wholesaler. Insurance for food distributors kicks in when disaster strikes and helps your business recover quickly from lawsuits, property damage, and other incidents.